personal financial planning report

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1、PersonalFinancialPlanningReportNameStudentIDLiuZhifei3830810WangYifei3830820WangYuting3830819ZhuWenbo383093020TABLEOFCONTENTSChapter1-Introduction31.1FinancialPlanningStrategy4Chapter2–PersonalInformationandFinancialPosition62.1Family'sInformation62.2Client’sFinancialPosition62

2、.2.1PersonalCashFlowStatement62.2.2PersonalBalanceSheet82.3RisktolerancesandAttitudestowardrisk(163)8Chapter3-IdentificationofFinancialGoalsandProblems113.1IdentificationofFinancialProblems(74)113.2IdentificationofFinancialGoals(104)11Chapter4-DiagnosticAnalysisofFamily'sFinanc

3、ialPosition124.1FinancialRatiosAnalysis(140)124.2AnalysisofFinancialStructure(59)124.2.1StructureofEarnings124.2.2StructureofAssets134.3SWOTAnalysis(210)14Chapter5-Recommendations165.1FinancialAssumptions(170)165.1.1InflationRate165.1.2InterestRate(67)175.1.3NationwideHousePric

4、eIndex(54)175.2FinancialAdvise(265)185.2.1Comparisonoffinancialtools185.2.2AnalysisofAssetRedistribution185.2.3RecommendationsofAssetRedistribution205.2.4RecommendationsofFamilyInsurance215.2.5RecommendationsofHousePurchasingPlan2120Chapter1-IntroductionFinancialPlanningwillhel

5、pachieveMissZhang'sdesirablefinancialobjectivesbythemeansofappropriatemanagementofherfinancialresourcesandidentifytheprioritiesoneachofhergoals.Tohelpyourealizeheraims,weassessherpresentfinancialposition,identifyhergoalsatdifferentstagesofherlifetimeandthendeterminetheachievabl

6、egoalsandtheoptimalmeanstoachievethem.Thefinancialplanningmodelaimedatidentifyingherstatusquotaandpredictherfuturesituations.AlltheanalysisisaccordingtothedataprovidedintheFinancialPanningQuestionnairecompletedon04-27-2011.Relevanttablesandchartsaregivenforfacilitatingustounder

7、standandclarifywhatisgoingon.Whenweorganizeherfinancialplan,takingthefundamentalaspectsintoaccountfirstly,thatisherpersonalinformation,financialinformationandfinancialplanningobjectives.Inthesecondplace,wemoveontoaddressmorespecificandcomplexissuebasedonthebasicelements.Basedon

8、theanalysiscombingwithherlifeandoccupationcharacterist